Pivotal Funding Group
- Company typePrivate
- Founded-
- HeadquartersSan Antonio, United States
- Headcount1–10
- GTM typeB2B
- OfferingServices
Pivotal Funding Group firmographics
Firmographics- Name
- Pivotal Funding Group
- Legal name
- Pivotal Funding Group, Inc.
- Website
- https://pivotalfundinggroup.com
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Pivotal Funding Group industry classification
Industry- Product category
- Accounts Receivable Factoring / SMB Working Capital Financing
- NAICS
- Credit Intermediation and Related Activities (522)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Invoice Financing, Factoring & Receivables Management (FSAGAJAB)
Keywords
Where Pivotal Funding Group is headquartered
LocationHeadquarters
- HQ city
- San Antonio
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Pivotal Funding Group business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Factoring Fees: Pivotal Funding Group generates revenue by purchasing accounts receivable at a discount. Businesses sell their unpaid receivables to Pivotal for immediate cash, and Pivotal receives payment when the invoice is paid by the customer in the future. This is a transaction-based revenue model where fees are earned on each factored receivable.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Flexible factoring services for businesses with receivables as low as $5,000 |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels2 records
Pivotal Funding Group product offering
Product offeringCore offering
Pivotal Funding Group purchases accounts receivable (invoices) from small- to medium-sized businesses at a discount, providing immediate cash—typically within 24 to 48 hours—rather than extending loans. The company specializes in factoring receivables owed by federal government agencies, particularly Department of Defense customers, and offers complementary credit and collection services for those factored invoices. Minimum receivable thresholds start at $5,000, with no minimum contract obligations.
Product overview
Pivotal Funding Group offers a unified factoring service platform consisting of two core products: Funding Services and Credit/Collection Services. The company specializes in factoring (purchasing) receivables from small- to medium-sized companies that sell services to the federal government. Clients can receive cash within 24 to 48 hours by selling their unpaid receivables at a discount. The minimum receivable threshold is $5,000, with competitive fee pricing. The company targets Medical Staffing Companies, IT Companies, Healthcare Services/Management Companies, and Independent Contractors serving government agencies.
Differentiator
Problem solved
Functional benefit
Products and services
- Funding Services (Accounts Receivable Factoring) Purchase of accounts receivable at a discount to provide immediate, debt-free cash to small- and medium-sized businesses that sell services to the federal government. Clients receive cash within 24 to 48 hours with no minimum contract requirements and a minimum receivable threshold of $5,000.
- Credit and Collection Services Ongoing credit and collection servicing on behalf of clients whose invoices have been factored, with Pivotal Funding Group acting as the collecting entity for small business receivables until the customer pays the invoice.
Quantifiable outcome
- Cash received within 24-48 hours
- +2 more outcomes
Companies that use Pivotal Funding Group
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles1 record
Pivotal Funding Group technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Pivotal Funding Group partnerships and signals
Strategic signalScale indicators4 records
Recent moves1 record
Expansion highlights3 records
Pivotal Funding Group competitors and assessment
Company assessmentDirect peers
- Paragon Financial Group: Paragon Financial Group provides invoice factoring and working-capital financing to small and mid-sized businesses, including federal government contractors. It competes with Pivotal by purchasing receivables at a discount in a similar SMB segment.
- National Funding: National Funding provides working-capital loans and invoice factoring to small businesses. It is a direct peer to Pivotal in providing SMB receivables-based financing, though it also offers broader equipment financing products.
- AltLine by Pacific Capital: AltLine is the factoring and invoice-financing division of The Pacific Capital Group, providing working capital to SMBs that bill other businesses. It is comparable because its receivables-purchase model and SMB target overlap directly with Pivotal.
- Fundbox: Fundbox provides SMB working capital through invoice-based advances and revolving lines, accessible via integrations with accounting software. It is a direct peer because its underlying funding mechanism and SMB target segment overlap with Pivotal's factoring service.
- BlueVine: BlueVine is a fintech that provides invoice factoring and working-capital lines to small businesses via an online platform. It is comparable to Pivotal because both address SMB invoice-based working capital needs, though BlueVine is digital-first and broader in vertical scope.
- Triumph Business Capital: Triumph Business Capital is a non-bank lender that provides invoice factoring and working-capital lines to small and mid-sized businesses, including government contractors. It is a direct competitor because its core product—purchasing receivables at a discount for immediate cash—mirrors Pivotal's offering.
- Breakout Capital: Breakout Capital provides working-capital and invoice-purchase solutions to small businesses, including those serving government agencies. It is a head-to-head comparable in transaction-based receivables funding for SMBs.
- Capital Plus Financial: Capital Plus Financial (CFS Business) provides factoring, purchase-order financing, and working-capital solutions to small businesses, including federal contractors. It targets the same unbankable SMB segment as Pivotal.
- Riviera Finance: Riviera Finance is one of the largest U.S. factoring companies, providing accounts-receivable financing to SMBs across verticals including government contracting. Its business model and target customer are nearly identical to Pivotal's, making it a head-to-head competitor.
Broad incumbents
- TAB Bank: TAB Bank is an FDIC-chartered industrial bank offering factoring alongside broader commercial lending and treasury services. It is comparable because factoring is part of its product mix, though as a multi-product institution it serves a wider audience than Pivotal's SMB federal-contractor focus.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Pivotal Funding Group social profiles
Digital presencePivotal Funding Group financial estimates
Financial estimateRevenue estimate
Valuation estimate
Pivotal Funding Group leadership team
Management profileNumber of profiles
Profiles1 record
Pivotal Funding Group funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Pivotal Funding Group M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Pivotal Funding Group
What does Pivotal Funding Group do?
Pivotal Funding Group purchases accounts receivable (invoices) from small- to medium-sized businesses at a discount, providing immediate cash—typically within 24 to 48 hours—rather than extending loans. The company specializes in factoring receivables owed by federal government agencies, particularly Department of Defense customers, and offers complementary credit and collection services for those factored invoices. Minimum receivable thresholds start at $5,000, with no minimum contract obligations.
Is Pivotal Funding Group a public or private company?
Pivotal Funding Group is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Pivotal Funding Group founded?
Pivotal Funding Group was founded in -1. It employs 1 to 10 people.
Where is Pivotal Funding Group based?
Pivotal Funding Group is headquartered in San Antonio, United States, in the North America region.
How does Pivotal Funding Group make money?
One revenue line is on record: factoring Fees.
Who are Pivotal Funding Group's main competitors?
Direct peers on record are Paragon Financial Group, National Funding, AltLine by Pacific Capital, Fundbox, BlueVine, Triumph Business Capital, Breakout Capital, Capital Plus Financial and Riviera Finance. TAB Bank is listed as a broad incumbent.
Does Pivotal Funding Group have an API?
No public API is recorded for Pivotal Funding Group.
What industry is Pivotal Funding Group in?
Pivotal Funding Group's product category is Accounts Receivable Factoring / SMB Working Capital Financing. Its primary akta.pro industry code is FSAGAJAB, Invoice Financing, Factoring & Receivables Management. Its NAICS code is 522 and its SIC code is 6153.